Medicare Part D—Prescription Drug Plans That Fit Your Needs
Medicare Part A and B cover hospital and medical care—but prescription drugs are not included. That’s where Medicare Part D comes in.
At Integrity Financial Solutions Group in Gilbert, Arizona, we help you understand how Part D works, avoid late enrollment penalties, and choose a drug plan that actually covers the medications you take—at a cost you can manage.
Need help reviewing your drug coverage options? Start with our consultation form.
What Is Medicare Part D?
Medicare Part D helps pay for your prescription medications. You can get Part D coverage in two ways:
- A standalone Prescription Drug Plan (PDP), used with Original Medicare or a Medigap plan
- A Medicare Advantage Plan (Part C) that includes drug coverage bundled in
We help you compare both options and make sure your medications are covered—especially the ones that matter most.
Not sure how to pick the right plan? Let’s walk through it together.
What Does Part D Cover?
Each Part D plan has a formulary, or a list of covered medications. These are organized into tiers, and each tier has a different cost:
- Tier 1: Preferred generics (lowest cost)
- Tier 2: Non-preferred generics
- Tier 3: Preferred brand-name drugs
- Tier 4–5: Non-preferred brands and specialty drugs
We’ll help you compare formularies, check your prescriptions, and avoid higher costs—or surprise denials.
Need help checking your medications? Reach out for a review.
Avoiding Late Enrollment Penalties
If you don’t sign up for Part D when first eligible—and don’t have other creditable drug coverage—you could face a permanent monthly penalty.
- We’ll help you avoid:
- Enrollment mistakes
- Timing issues
- Missed deadlines that raise your costs
Turning 65 soon or losing coverage? Let’s make sure you’re protected.
Contact us today!
Part D Costs in Arizona—What to Expect
Your out-of-pocket costs with Medicare Part D may include:
- A monthly premium (varies by plan)
- Annual deductible
- Copayments or coinsurance for each prescription
- Costs in the coverage gap (the "donut hole")
We explain each piece clearly and help you estimate your real costs based on the drugs you take now—or expect to in the future.
Want to avoid the coverage gap surprises?
Schedule a consult.
How Medicare Part D Fits With Your Full Coverage
Medicare Part D is often combined with:
- Original Medicare + Medigap + a standalone PDP
- A bundled Medicare Advantage Plan with drug coverage
- Additional help for low-income beneficiaries through Extra Help / LIS
We help you choose the best combo for your prescriptions, location, and financial goals.
Why Arizona Retirees Choose Us for Medicare Drug Plans
We’re a licensed, independent Medicare team, helping retirees across Arizona and beyond choose
Advantage Plans with clarity and confidence.
Local and Independent. Based in Gilbert, we know the Arizona plan landscape.
Personalized Support. We check your actual medications—not just hand you a list.
Unbiased Guidance. We compare plans from many insurers, not just one.
Want help with your Medicare drug coverage in Arizona? Start with our consultation form.
Frequently Asked Questions About Medicare Part D
Is Medicare Part D required?
It’s optional—but if you delay and don’t have other creditable coverage, you’ll pay a permanent monthly penalty. We’ll help you avoid that.
How do I know which Part D plan is best?
We compare plans based on your actual prescriptions, pharmacy preferences, and budget. You don’t need to guess—we’ll guide you.
What is the Medicare Part D "donut hole"?
It’s a temporary coverage gap where your drug costs may increase after a certain spending threshold. We explain how it works and what to expect in 2025.
Can I change Part D plans later?
Yes—during the Annual Enrollment Period (Oct 15–Dec 7). If your medications or budget change, we’ll help you adjust your plan.
